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Items Needed

Full Documentation requires the following for Loan Processing to prepare your loan package for Lender Underwriting

Items Needed When Applicable

  • Completed On-line Mortgage Loan Application
  • Each of the following items to be sent separately to 800 Fax Number under your Bar-Coded Fax Cover Sheet (supplied by us)
  • Copies of signed Mortgage Disclosures
  • Copy of your Social Security Card
  • Copy of your Drivers License or DMV ID Card
  • Foreign Nationals: Copy of VISA (Front & Back)
  • Employed: Copy of Last year's W2/1099 and Last 30 day Pay Stubs
  • Self-Employed: Copies of Business Federal Tax Returns (all schedules) for the last two years; Copy of YTD P&L; Copy of Business License 
  • Those who have 25% or greater interest in a business; employed by family members; are paid commissions; receive variable income; reported 1099 income; own rental property. Must complete Form 1084 or provide last two years Individual Federal Tax Returns
  • Copy of Bank Statements for the last two months
  • Copy of Investment Account Statements for the last two months  
  • Copy of Retirement Account Statements for the last two months  
  • Renters: Verification of Rental History. Copy of last 12 canceled checks or Verification of Rent Document signed by Rental Management Company
  • Copy of Home Insurance Policy (coverage information page)
  • Copy of Home Mortgage Coupon (latest statement)  
  • Home Owners Association Certification (Condo/PUD)
  • Last three "Home Items" above on All Income Property owned
  • Copy of Income Property Income Insurance Policy (coverage information page) on all Income Properties owned if Income is to be declared in your Debt-to-Income ratios (new requirement)

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Rudi Hofmann, upFront Mortgage BrokerĀ®
Rudi Hofmann, Inc.
17732 Miller Drive, Tustin, CA  92780
Direct:  (714) 730-1862
Cell:  (949) 310-7413
RHofmann@umboc.com
Copyright © 2010 Rudi Hofmann, Inc. umboc.com. All rights reserved.
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